Affordable Care Act: Find Your Way Around the Health Care Law . Educational Series-Promoting Good Health . David Parra Associate State Director- Multicultural Outreach , AARP Arizona . Agenda People with health insurance People who are uninsured or buy their own coverage

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Employees with employer-based coverage are eligible for subsidies in the Marketplace only if their plan has an actuarial value of less than 60% or their premium share (individual) exceeds 9.5% of income.

Employers with more than 200 employees will be required to automatically enroll employees in their health plan. Employees may opt out if so choose.

Penalties for individual adults: $95 in 2014, $325 in 2015, and $695 in 2016 or1.0% of taxable income in 2014, 2.0% in 2015, and 2.5% in 2016 – whichever is greater. After 2016, increase will follow cost-of-living adjustment.

Penalty exemptions: financial hardship, religious objections, American Indians, no coverage for less than three months, undocumented immigrants, incarcerated individuals, those for whom the lowest cost plan option exceeds 8% of an individual’s income, and those with incomes below the tax filing threshold (in 2012 the threshold for taxpayers under age 65 is $9,750 for singles and $19,500 for couples).

Improves home care coordination: face-to-face visits from certain health practitioners (certification of home health services) - visits must occur within 90 days before you receive home health care or 30 days after you start care. (continues)

Companies with under 50 full-time equivalent employees – no requirement, no penalty.

Companies with 50 or more full-time equivalent employeeswho do not offer health insurance and have at least one employee receiving a premium tax credit in the Insurance Marketplace will pay $2K a year per employee – first 30 are exempt.

Companies with 50 or more full-time equivalent employees who do offer health insurance but have at least one employee receiving a premium tax credit in the Insurance Marketplace will pay the lesser of $3K a year per employee receiving the credit or $2K per full-time employee – first 30 are exempt. (continues)